Connecticut Cosmetology Insurance

Once you have passed Connecticut’s necessary requirements for a cosmetologist license and begin providing professional beauty services, it is essential for you to begin protecting both your reputation and your career. Cosmetology liability insurance can help you. Carrying cosmetology insurance covers you in case of a potential lawsuit and can help you financially with any legal fees.

If you’re thinking to yourself that you don’t need to carry insurance, just keep reading. Due to the closeness of most cosmetic services, there will never be 0% risk of an accident happening. A client could slip on product residue on the floor or respond negatively to cosmetic products—a facial cream that causes a negative skin reaction or a hair treatment that causes burning of the scalp. Fortunately, cosmetology insurance offers a solution to the possibility of this financially draining problem.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects claims made against the services you provide. For example, if a client has a negative skin reaction to a hot wax used during a treatment, he or she could choose to file a claim against you.

General liability (or slip-and-fall scenario): protects your cosmetology business and your professional reputation from lawsuits stemming from damages that occurred on the property of your business—including a client slipping on the floor of your business or an accident which causes bodily injury or medical costs.

Connecticut Cosmetology FAQs

Do I have prerequisites to complete?

If you are at least 16 years old and have completed at least up to an 8th grade education, you are eligible to obtain a cosmetology license in the state of Connecticut.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,500 school hours and pass a written exam.

Do I need a license to be a cosmetology instructor?

No, you do not need a license to be a cosmetology instructor in the state of Connecticut.

Does the state of Connecticut require me to complete continuing education units (CEUs)?

Yes, 10 CEUs are required to renew your license.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license every two years by the last day of the practitioner’s birthday month—along with a $100 dollar fee.

Moving to Connecticut from another state?

No problem, just make sure you hold a valid license from a state with equivalent requirements and pass the appropriate written exam.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection and The Doyle Group. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. is the insurance partner for Beauty Insurance Plus. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Beauty Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Beauty Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Beauty Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Beauty Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., The Doyle Group or Beauty Insurance Plus are insurers. All Rights Reserved Copyright 2018 Privacy Policy
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